The Colorado Division of Insurance published a bulletin informing insurers of the allowable use of aerial imagery in underwriting, pricing, or claims decisions.
The Division recognizes aerial imagery as a helpful tool, but notes they have their limitations and should not be solely relied upon when making insurance decisions. One limitation is that aerial images may show cosmetic damage to a roof, but should not be relied upon to show damage that affects the roof's structural integrity and likelihood of loss.
Aerial images must not be blurry, outdated, or unclear if used to support an underwriting decision. They must be no more than 12 months old, and for a claim, must be recent enough to capture the post-loss condition.
Aerial images may not be used as the sole basis for policy cancellations or nonrenewal, claim denials, or coverage limitations. Adverse actions must be supported by more than just aerial imagery, such as documentation from qualified professionals or a physical inspection.
The bulletin can be found here.